Massachusetts Snow Removal Laws and Liability

January 9, 2024||inBusiness Insurance, Personal Insurance|business insurance, homeowners insurance, personal insurance, snow removal

Keep those shovels ready.

Winter is underway, and we’ve already had the season’s first snowfall. You must understand your legal responsibilities regarding snow removal if you own residential or commercial property. The state where you live has laws that dictate snow removal, and in many cases, your city or town may have local ordinances or by-laws that further define snow and ice removal responsibilities.

Massachusetts Snow Removal Laws and Liability
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In 2010, Massachusetts’ snow removal law underwent a significant change, with a Supreme Judicial Court ruling overturning a 100+ year-old Massachusetts rule that previously allowed property owners to not shovel “natural accumulations” of snow without liability. With the change in the law, all property owners (owner-occupied and rental) now have a legal obligation to keep their property free from snow and ice for the safety of visitors and guests…whether it’s “natural” or “unnatural” accumulations.

When do you have to shovel or treat icy surfaces?

Because of the dangers caused by snow and ice, shoveling and treating surfaces as quickly as possible is wise. If a threat exists, you have liability. Some cities and towns specify a minimum time by which surfaces must be cleared after a storm, but you may need to clean snow sooner;  i.e., Boston businesses 3 hours and residences 6 hours; Worcester 12 hours.

Do you have to shovel sidewalks in front of your house/business?

Most Massachusetts cities and towns require property owners to clear sidewalks and check your city or town ordinances. Often, you can be fined for failing to remove snow.  Also remember that shoveling snow out into the street is not allowed and is a fineable offense.

Can you transfer responsibility for shoveling to tenants?

Landlords are primarily responsible for snow removal at rental properties, which can’t be transferred by language in a lease. Property owners are responsible by law to keep all egresses free of obstruction. The only exception is when a dwelling has its egress that is not shared with other units. In this case, a landlord may require the tenant to be responsible for snow and ice removal of the entrance in a lease. However, this exception does not apply to the driveway or parking areas and so may not guarantee transfer of liability in some situations. It’s probably not worth taking a chance and relying on the tenant.

Do homeowners, dwelling fire, and commercial general liability policies cover injuries if someone slips and falls?

Typically, yes. Standard policies generally cover you if someone slips and falls on your property.  Be sure you purchase sufficient liability coverage of at least $500,000 or $1,000,000. The additional cost of increasing coverage to $1,000,000 is minimal for many homeowners. When a lawsuit happens, you can never have enough insurance…ask any attorney!

Helpful Links

Massachusetts Law about Snow & Ice

New Hampshire Law about Snow & Ice

City of Boston Snow Center

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Enjoying time on the water is exhilarating, yet it demands responsibility and caution for safety. Utilize this boating safety checklist, regardless of your experience level, to ensure preparedness and safety while navigating.
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Why are Home Insurance Premiums Going Up?

Why are Home Insurance Premiums Going Up?

We often encounter the question: "Why are home insurance premiums increasing?" Various factors can contribute to individual policy hikes, yet current market dynamics are driving up prices across the insurance sector.
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Boat Insurance and Safety

Boat Insurance and Safety

Learn how to safeguard your vessel, yourself, and your passengers at sea. Delve into boat safety essentials and the importance of securing proper insurance coverage for smooth sailing and peace of mind on every voyage.
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Grilling Safely

Grilling Safely

Every year, millions of Americans enjoy outdoor barbecues, but accidents can occur. According to the U.S. Fire Administration, approximately 5,700 grill fires occur annually, causing $37 million in damage, along with 100 injuries and 10 deaths, mostly due to malfunctioning gas grills, while thousands suffer burns requiring emergency room visits.
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Before You Hit the Road: Tips for Vehicle Maintenance

Before You Hit the Road: Tips for Vehicle Maintenance

As Memorial Day marks the start of summer, the excitement for family road trips begins. Before embarking on your adventure, ensure your vehicle is road-ready with essential checks like tire pressure, fluid levels, and the condition of belts and hoses.
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Buying Disability Insurance

Buying Disability Insurance

In today's uncertain world, ensuring our financial stability is crucial, with disability insurance often overlooked in this protection. Understanding its significance is vital, as unforeseen accidents or illnesses can jeopardize our ability to work and earn income. This blog post explores the intricacies of purchasing disability insurance, providing insights and key considerations to empower informed decisions in safeguarding your livelihood.
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Motorcycles are Everywhere...Share the Road

Motorcycles are Everywhere…Share the Road

Motorcycle rider deaths made up 14% of all motor vehicle crash fatalities in 2018, with 4,985 lives lost despite a 5% decrease from the previous year, mainly occurring during the summer months. Motorists can improve safety by understanding motorcyclists' challenges, such as visibility issues, and practicing habits like proper mirror use and signaling when changing lanes.
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Do You Really Know What You Have in Your House? Tips for Creating a Home Inventory

Do You Really Know What You Have in Your House? Tips for Creating a Home Inventory

Creating an inventory of all your possessions may feel daunting amidst our hectic schedules and abundance of belongings. However, this step ensures adequate insurance coverage for your personal property and expedites claim settlement, increasing the likelihood of reimbursement in case of loss.
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Car Care Tips

Car Care Tips

In this guest blog post by Tom Ricci from Body and Paint Center of Hudson, readers are provided with essential tips on car care to prevent accidents and extend the life of their vehicles. From regular oil filter changes to tire inflation checks and engine tune-ups, these simple preventive measures not only ensure safer operation but also contribute to better fuel efficiency and environmental sustainability.
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Cyclist Protection Tips

Cyclist Protection Tips

Cycling amidst traffic exposes you to risks beyond physical injury; financial impacts can also occur in accidents. Ensure you and your loved ones have adequate protection in case of unforeseen incidents.
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Hurricane Season Insurance Checklist

Hurricane Season Insurance Checklist

Do you have a checklist for reviewing your insurance coverage? With hurricane season underway, it's an opportune moment to ensure your homeowners or renters insurance is up to date. The Insurance Information Institute offers a convenient list to guarantee you're adequately prepared for any potential storms.
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Does Your Auto Insurance Policy Cover a Rental Car While Traveling?

Does Your Auto Insurance Policy Cover a Rental Car While Traveling?

Renting a car comes with insurance complexities, impacted by factors like travel location and rental agreements. While your Massachusetts Auto Policy may offer some coverage, understanding rental terms and potential gaps is crucial before hitting the road.
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Weighing the Pros and Cons of Travel Insurance

Weighing the Pros and Cons of Travel Insurance

Travel insurance is a vital consideration for travelers, offering protection from various unforeseen events such as trip cancellations, medical emergencies, and lost belongings. While it can be particularly beneficial for adventure travelers or those with pre-existing health conditions, it's essential to weigh the potential benefits against the cost and exclusions of the policy, ensuring you make an informed decision before your next trip.
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Reasons to Purchase Permanent Life Insurance

Reasons to Purchase Permanent Life Insurance

A permanent life insurance policy offers lifelong protection, paying out a death benefit whether you pass away tomorrow or live to be a centenarian, while also accumulating savings on a tax-deferred basis. Although premiums for permanent insurance are typically higher compared to term insurance due to the savings component, they remain fixed, unlike term insurance where premiums can significantly increase upon renewal.
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Mitigate your Sewer Back-Up Loss Exposure

Mitigate your Sewer Back-Up Loss Exposure

Homeowners can mitigate sewer backup risks by avoiding disposing of grease, paper towels, diapers, or other refuse down toilets or sinks, as these can cause pipe clogs. Additionally, it's crucial to hire a licensed plumber to remove any connections between flood control systems and the sewer main, while considering installing a backflow-prevention device to prevent sewage from flowing back into the home, thereby safeguarding against potential water and sewage backup losses.
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April is Distracted Driving Awareness Month

April is Distracted Driving Awareness Month

Distracted driving remains a significant threat on the roads, with distracted driving-related crashes claiming the lives of at least eight individuals daily, according to the National Highway Traffic Safety Administration. As April marks Distracted Driving Awareness Month, take this opportunity to evaluate your driving habits and commit to making responsible choices to ensure the safety of yourself and others on the road.
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10 Tips for What to Do at an Accident Scene

10 Tips for What to Do at an Accident Scene

In the event of an accident, staying calm is essential for managing the situation effectively. Remember to prioritize safety by checking for injuries, calling the police, and exchanging necessary information with the other driver, while also documenting the scene and contacting your insurance provider promptly to initiate the claims process and ensure assistance during this stressful time.
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Insurance Checklist for Getting your Motorcycle Back on the Road

Insurance Checklist for Getting your Motorcycle Back on the Road

As spring breathes life back into the roads, motorcycle enthusiasts eagerly prepare to revive their bikes for another season of adventure. Amidst the tune-ups and polish, don't forget to ensure your insurance coverage is up-to-date and tailored to your current needs, safeguarding your excitement with comprehensive protection on and off the road.
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Protect Yourself Before, During & After a Blizzard

Protect Yourself Before, During & After a Blizzard

As resilient as Northeasterners are in the face of snow, preparing for a blizzard requires more than just resolve—it demands readiness. Stay informed, stock up on essentials, and ensure your home is equipped with heating fuel and emergency supplies, because when it comes to blizzards, proactive preparation is key to weathering the storm
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InControl Advanced Driver Training

In Control Advanced Driver Training Program

Enhance your driving skills and save money with the In Control Advanced Driver Training program, offering potential savings of over 10%. This training opportunity provides various avenues for cost reduction, making it a valuable investment for safer driving.
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New Year Traditions and Superstitions

New Year Traditions and Superstitions

As we bid farewell to the old and welcome the new, the New Year's holiday brings forth a tapestry of traditions and customs from around the world. From the iconic descent of the New Year's Eve Ball in Times Square to the belief in wearing red underwear for luck in Italy, each tradition carries its own unique significance, weaving together a rich cultural fabric as we embrace the promise of a fresh start.
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Start Your Engines - MA Low Plate Lottery 2022

Start Your Engines – MA Low Plate Lottery 2022

Are you vying for the coveted low-number license plate in Massachusetts? Now's your chance! With the MA RMV's annual Low Plate Lottery now open for applications, residents have the opportunity to secure one of the 198 available plates, provided they meet the eligibility criteria and abide by the rules outlined by MassDOT.
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How to Stop Receiving Mail Addressed to a Deceased Person

How to Stop Receiving Mail Addressed to a Deceased Person

Dealing with mail addressed to a deceased loved one can be emotionally challenging and logistically frustrating. Whether you're the Executor of their estate or simply a resident who shared their address, there are steps you can take to minimize the influx of such mail, from registering the deceased on the Deceased Do Not Contact List to requesting mail forwarding or contacting organizations directly to inform them of the death. Remember to handle such mail respectfully, as opening someone else's mail without legal authorization is a federal offense.
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Flood Insurance Issues for Home Sellers and Buyers

Flood Insurance Issues for Home Buyers & Sellers

For those selling or buying homes, it's crucial to note the updates to the NFIP and revised flood insurance rates starting April 1, 2015. These changes affect property owners or buyers in flood zones or areas newly designated as Special Flood Hazard Areas due to updated flood maps.
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How to Prevent Ice Dams

How to Prevent Ice Dams

Prepare yourself for winter's worst nightmare: ice dams. While prevention is key, having a plan in place is crucial for dealing with these roofing woes.
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Prevent Flooding from Snow Melt

Prevent Flooding from Snow Melt

Snow has a high water content, posing flood risks if not managed properly. Implementing preventive measures can effectively mitigate potential flood issues caused by snow accumulation.
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Is Your House Properly Winter-Proofed? Good Maintenance Can Prevent Damage to Your Home

Is Your House Properly Winter-Proofed? Good Maintenance Can Prevent Damage to Your Home

Prepare for winter by ensuring your insurance coverage is adequate for potential damages caused by snow, ice, and cold weather. Take preventive measures such as cleaning gutters, insulating pipes, and servicing heating systems to minimize risks and protect your property.
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Take the Scream Out of Halloween by Having the Right Type and Amount of Insurance Coverage

Take the Scream Out of Halloween by Having the Right Type and Amount of Insurance Coverage

Ensure a spook-free Halloween by taking reasonable precautions to protect your property and visitors, suggests the Insurance Information Institute (I.I.I.). From well-lit walkways to raised liability limits, these measures not only keep the festive spirit alive but also provide financial security against potential mishaps.
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COVID Lessons About Life and Insurance

COVID Lessons About Life and Insurance

Amidst the upheaval caused by the COVID pandemic, many are reevaluating their priorities, with a significant uptick in inquiries and purchases of life insurance reflecting a newfound focus on protecting loved ones. As concerns about the unforeseen rise, it's crucial to understand that obtaining life insurance remains accessible, provided transparency about health conditions during the application process, reinforcing the importance of securing coverage early on.
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Murphy Insurance offices open to visitors on June 1, 2021

Murphy Insurance Offices Open to Visitors on June 1, 2021

We are excited to announce that our offices are reopening on June 1, 2021, prioritizing visitor safety. Remote options are encouraged for efficiency, with limited in-person visits requiring appointments. Safety measures include mask requirements, social distancing, and hygiene protocols.
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Toys for Tots 2020 Needs Your Help!

Due to the COVID-19 pandemic, our offices can't host our annual Toys for Tots toy drop-off. Despite this setback, we urge you to support Toys for Tots at local drop-off points. Consider making your donation early to ensure toys reach children in need by December 9th.
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Prepare Your Home for Old Man Winter

Prepare Your Home for Old Man Winter

Prepare your home for winter by scheduling chimney and furnace inspections to prevent fire hazards. Additionally, ensure your plumbing system is well-maintained to avoid burst pipes, and address any roofing issues before the snowfall to prevent costly damages that may exceed your insurance deductible.
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COVID-19 Update Message from Dennis Murphy Regarding RMV Backlog

Get the latest update from Dennis F. Murphy III regarding customer assistance and service amid the ongoing COVID-19 pandemic by watching the video on YouTube.
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Insuring Your Classic Car

Insuring Your Classic Car

For owners of classic, custom, collectible, or antique cars, standard auto insurance may not provide adequate protection. Specialized coverage tailored to the unique value and usage of these vehicles is essential to ensure comprehensive protection against damage or loss.
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Boat Insurance - Make Sure You’re Covered on the Water

Boat Insurance – Make Sure You’re Covered on the Water

Boat insurance is essential for protecting yourself and your loved ones, especially with unregistered boaters. While smaller watercraft may get limited coverage under homeowner policies, larger boats need separate, comprehensive insurance for adequate protection. Discuss coverage options with your agent to avoid gaps in protection.
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Personal Auto Insurance COVID-19 Premium Return

Personal Auto Insurance COVID-19 Premium Return

Insurance companies seek DOI approval for auto premium credits/refunds due to reduced usage during COVID-19. Policyholders await carrier details post-approval. Insurers also offer payment flexibility to aid financially strained individuals; assistance is accessible through the insurance company or Murphy Insurance Agency.
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Auto Insurance Issues Created by COVID-19 Crisis: Deliveries & Students Home Early

Auto Insurance Issues Created by COVID-19 Crisis: Deliveries & Students Home Early

COVID-19's impact on daily life raises auto insurance concerns. Delivery work requires policy updates for "business use." College students returning home may need garaging location adjustments or driver re-inclusion. Contact us promptly for necessary policy changes to ensure proper coverage during these uncertain times.
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COVID-19 FAQs: Payments & RMV Questions

COVID-19 FAQs: Premium Payments & RMV Questions

During the COVID-19 crisis, many insurers are offering payment flexibility for those facing financial difficulties. Contact your insurer or Murphy Insurance for assistance. Regarding Registry of Motor Vehicles issues, note the strict no walk-in policy; appointments must be made online for in-person transactions.
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Covid-19 - Insurance Related FAQs

Covid-19 – Insurance Related FAQs

During COVID-19, Murphy Insurance remains open with closed offices. Our staff assists via phone, email, or online, adapting quickly to any mandated measures for seamless service. Reach out directly for prompt assistance and updates on operational changes.
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New Massachusetts Hands-Free Cell Phone Driving Law: What You Need to Know

New Massachusetts Hands-Free Cell Phone Driving Law: What You Need to Know

To curb distracted driving and enhance safety, the new law, "An Act Requiring the Hands-Free Use of Mobile Telephones While Driving," prohibits handheld cellphone and electronic device use while driving, effective February 23, 2020. It's essential to prepare and adjust habits.
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5 Tips for Disaster-Free Festivities

5 Tips for Disaster-Free Festivities

As the holiday season approaches, the Insurance Information Institute urges prioritizing family, friends, and festivities while remaining vigilant against potential hazards like fire, theft, accidents, and other mishaps. By following five key safety tips, including fire prevention measures, identity protection, home security strategies, responsible party hosting, and safe driving practices—especially in winter conditions—we can ensure a joyful and secure celebration for all.
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Safe Travels on Thanksgiving

Safe Travels on Thanksgiving

As Thanksgiving approaches, remember that road safety is paramount during this busy travel period. Take precautions such as checking tire pressure, buckling up, leaving early, obeying speed limits, avoiding distractions, and never driving under the influence to ensure a safe and enjoyable holiday journey.
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Massachusetts Drivers Be Aware of New "Move Over Law"

Toys for Tots Drive 2019…Please Donate by December 10

Join Murphy Insurance in spreading holiday cheer by dropping off new, unwrapped toys, books, or homemade gifts at any of our seven locations for Toys for Tots. Remember, the deadline for donations is December 10th, ensuring the Marines have time to deliver them to families in need before the holiday season.
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What is Oil Spill Clean-Up Coverage? Why You Should Have It

Why You Should Have Oil Spill Clean-Up Coverage

Ensure your home is protected from potential oil spills with an "Escaped Liquid Fuel Endorsement," providing coverage for fuel contamination to your property and beyond. Don't risk costly out-of-pocket expenses—contact Murphy Insurance to discuss securing this essential coverage for your peace of mind.
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Carbon Monoxide Detectors...It’s the Law!

Carbon Monoxide Detectors…It’s the Law!

In 2006, Massachusetts enacted "Nicole's Law" after 7-year-old Nicole Garofalo's tragic death from carbon monoxide poisoning. Despite its importance, many homes still lack mandated CO detectors, posing risks. Compliance remains low despite legal requirements for detectors in homes with fossil-fuel appliances or enclosed parking.
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Deer Collision Risk Peaks in November and December

Deer Collision Risk Peaks in November and December

Encountering a deer on the road can evoke the "deer in the headlights" moment, highlighting the abruptness of the situation. With collisions being more prevalent from October to December due to increased deer activity, cautious driving is paramount to avoid accidents.
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Social Host Liability: Serving Alcohol at a Party? Be a Responsible Host

Social Host Liability: Serving Alcohol at a Party? Be a Responsible Host

Social host liability laws, often referred to as "Dram Shop Liability," are present in 43 states and offer recourse for injured parties, such as victims of drunk driving incidents, to sue those who served alcohol. Understanding these laws and taking precautions can help hosts mitigate their liability risks and ensure a safer environment for all guests.
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Motorcycles: Properly Insuring Your Bike

Motorcycles: Properly Insuring Your Bike

Prepare for motorcycle season with comprehensive coverage. Ensure your policy includes protection for custom bike equipment, gear, and injuries, including coverage for bodily injury to guests and yourself by uninsured or underinsured motorists.
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What is personal watercraft insurance? Personal watercraft (known by brand names like Jet Skis, Sea-Doos or WaveRunners) can be lots fun on the water. But, like any moving vehicles, they are subject to accidents and it’s wise to get the proper insurance to protect yourself financially.

Stay Safe: Don’t Let an Accident Ruin Your Fun Out on the Water

Discover the importance of personal watercraft insurance in ensuring financial protection for accidents on the water. Unlike homeowners insurance, specialized PWC coverage safeguards against bodily injury, liability, property damage, theft, and more, tailored to your needs and watercraft usage.
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Is the Protection You Have for Your Watercraft Underwater?

Is the Protection You Have for Your Watercraft Underwater?

As spring brings vibrant blooms, many consider buying boats. However, homeowners policies often don't cover high-value or large boats. Contact us before purchasing to ensure proper coverage and avoid being "underwater" with inadequate insurance.
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Most Stolen Cars in 2013

Top 10 Most Frequently Stolen Vehicles 2017

In 2017, the Honda Civic ranked as the most stolen passenger vehicle, tallying 45,062 thefts across all model years, per the NICB. The majority of these thefts targeted older models lacking modern anti-theft technology.
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12 Steps for Locating a Lost Life Insurance Policy

12 Steps for Locating a Lost Life Insurance Policy

Discover effective strategies for locating life insurance documents of a deceased relative, from searching through files and contacting financial advisors to reviewing tax returns and utilizing state resources such as insurance departments and unclaimed property offices.
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How To Protect Your Home From Water Damage 1200x628

How To Protect Your Home From Water Damage

Various insurance policies cover different types of water damage, with homeowners and renters insurance typically including protection for burst pipes, wind-driven rain, and damage from roof ice dams. While standard policies may cover top-down water sources like rainfall, additional coverage such as sewer backup riders may be necessary for certain situations.
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Understanding Your Insurance Deductibles

Understanding Your Insurance Deductibles

In the event of a home disaster or car accident, the deductible represents the amount you're responsible for covering and is deducted from your claim payment. Understanding how deductibles function can help avoid unexpected expenses and lead to savings.
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5 Tips for Solid Auto Insurance Coverage

5 Tips for Solid Auto Insurance Coverage

While car insurance typically covers vehicle damage, the most significant financial risk lies in injuring others without adequate Bodily Injury to Others coverage. Since accidents and their severity are unpredictable, ensuring sufficient coverage is crucial to safeguard against potential liabilities arising from injuries.
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How Often Should Jewelry or Other Scheduled Valuable Appraisals be Updated?

For high-value items like jewelry, antiques, and fine art separately covered on your home policy, providing appraisals or receipts establishes insurance limits. While initial valuations may seem sufficient, it's essential to periodically update appraisals due to potential shifts in values over time.
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E-Signature Via DocuSign Makes Doing Business With Us Even More Convenient

E-Signature Via DocuSign Makes Doing Business With Us Even More Convenient

Murphy Insurance strives to enhance convenience, now providing electronic signature options through DocuSign for many personal insurance forms, streamlining your experience. DocuSign, a leader in e-signature technology, ensures efficient processing for your insurance needs.
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MA RMV Closed and No RMV Services For 3 Days Starting March 22 at 7PM

MA RMV Closed and No RMV Services For 3 Days Starting March 22 at 7PM

From Thursday, March 22, 2018 at 7 p.m. until Monday, March 26, 2018 at 8 a.m., the MA Registry of Motor Vehicles will be closed for a technology upgrade to meet federal security standards. During this period, non-public safety services will be unavailable, and no transactions will be processed.
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New MA Real ID & Driver's License Documentation Requirements Starting March 26, 2018

New MA Real ID & Driver’s License Documentation Requirements Starting March 26, 2018

Starting March 26, Massachusetts requires documentation of U.S. Citizenship or lawful presence for any driver’s license, ID, or learner’s permit renewal or issuance. Four documents are necessary to confirm your Social Security Number, Date of Birth, and Residency.
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Settling Insurance Claims After a Disaster

Settling Insurance Claims After a Disaster

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Who We Are…Learn a Little More About Murphy Insurance

Celebrating 80 years, Murphy Insurance's longevity speaks volumes about our dedication to customer care and satisfaction. To our existing customers, we extend our heartfelt gratitude for your continued trust and support.
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What Affects the Cost of Your Auto Insurance?

What Affects the Cost of Your Auto Insurance?

Our approach to finding you the best auto coverage at the best price involves understanding various detailed factors. From the car you drive to where you live, your driving record, and potential discounts, we ensure you get tailored coverage that suits your needs and budget.
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Meet Our Toys for Tots Champion…Dawn Penzone 1200x628

Meet Our Toys for Tots Champion…Dawn Penzone

The 2017 Toys for Tots drive at Murphy Insurance is progressing smoothly as the donation collection deadline of December 11th approaches rapidly. For many years, Murphy Insurance has been a dedicated toy collection site in support of the Marines' Toys for Tots program, providing valuable assistance to children and families in need.
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We’re Celebrating Our 80th…Stop by December 5th – 7th

It's hard to believe that we've been serving Massachusetts and beyond for 80 years! We feel lucky to be part of the community and are having appreciation days on December 5th - 7th.
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Toys for Tots Drive 2017…Please Donate by December 11

Make the holidays brighter for children in need by participating in our Toys for Tots drive—drop off a new, unwrapped toy at any of our seven locations in Bolton, Groton, Harvard, Hudson, Marlborough, Mendon, and Medway by December 11th. Your contributions will support this meaningful cause, ensuring the Marines have ample time to distribute the gifts.
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Thanks and Please Be Safe In the Kitchen & On the Road 1200x628

Thanks and Please Be Safe In the Kitchen & On the Road

During this season of gratitude, we extend our heartfelt appreciation to everyone who has contributed to our continued success. We're especially grateful to our customers for entrusting Murphy Insurance Agency with the responsibility of serving you, and we remain dedicated to safeguarding your family, business, and valued possessions.
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Equifax Breach - Freezing Your Credit May Impact Your Insurance 1200x628

Equifax Breach – Freezing Your Credit May Impact Your Insurance

The ongoing coverage of the substantial Equifax data breach highlights its significance. With over 143 million American consumers potentially affected, if you possess a credit report, you may be among those whose sensitive personal information was compromised.
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Uber, Lyft and Other TNC Drivers...New Endorsement Covers Insurance Gap 1200x628

Uber, Lyft and Other TNC Drivers…New Endorsement Covers Insurance Gap

Once you sign into a Transportation Network Company (TNC) app, your personal auto insurance ceases coverage for vehicle damage, property damage, bodily injury, and most other protections. Insurance policies provided by TNCs usually offer only limited coverage from logging into the app until picking up a fare.
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Flood Cars: How to Avoid Purchasing a Washed-Up Vehicle

Flood Cars: How to Avoid Purchasing a Washed-Up Vehicle

Floods, like other natural disasters, can inflict significant damage on properties and vehicles. Unfortunately, flood-damaged vehicles present a tempting opportunity for criminals seeking to defraud unsuspecting consumers.
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80 Years Young...80 Years Strong

80 Years Young…80 Years Strong

In Fall 2017, we celebrated our 80th year in business, reflecting on the contributions of our customers, employees, family, and insurance company partners to our success. Gratitude is extended for the trust and relationships cultivated over the years, which have been integral to our journey.
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In Case of a Flood

In the event of a flood, it is critical to protect yourself, your family, and your property. To do so, there are many preventative and protective measures you can take.
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Massachusetts Drivers Be Aware of New "Move Over Law"

6 Tips to Mitigate Potential Water Damage

Amidst nationwide weather turmoil and escalating water damage claims due to torrential rains and flooding, coupled with mechanical breakdowns, protecting your home becomes paramount. Explore essential measures to fortify your home against these impending disasters.
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Uber, Lyft and Other TNC Drivers...New Endorsement Covers Insurance Gap 1200x628

Insurance for Uber, Lyft and Other TNC Drivers – Close the Gaps

Good news for Uber, Lyft, or other Transportation Network Company (TNC) drivers: certain insurance carriers now provide personal auto insurance policy endorsements, addressing coverage gaps. Plymouth Rock Assurance and Mapfre Insurance are among the companies offering these endorsements, bridging the insurance gap for TNC drivers.
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Lawnmower Safety

Annually, about 75,000 individuals sustain injuries from lawnmowers necessitating emergency room care, with the majority attributed to human error rather than mechanical malfunction.
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Update - Movie Filming in Downtown Hudson, May 2017

Update – Movie Filming in Downtown Hudson, May 2017

Excitement mounts in Downtown Hudson for the filming of "Who Do You Think Would Win?". Amid logistical adjustments in parking and sidewalk closures, Murphy Insurance assures customers of normal operations, offering assistance via phone or at alternative offices.
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Hollywood Comes To Hudson...May 2017

Hollywood Comes To Hudson…May 2017

It's official: Downtown Hudson, MA, will host the feature film "Who Do You Think Would Win?" Filming is set for May 1st to 3rd along Main Street and Washington Street, 7 AM to 10 PM. Despite downtown excitement, we're here to assist you; parking may require additional time, but options are available on side streets.
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There's a Fire at Your Apartment. Are You Insured? 1200x628

There’s a Fire at Your Apartment. Are You Insured?

Without renters' insurance, you lack coverage for fires or other losses. Take a moment to consider news reports of apartment fires in Massachusetts and ask yourself how you would cope and recover if faced with a similar situation.
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NFPA Encourages Prompt Disposal of Christmas Trees and Safe Removal of Lights

NFPA Encourages Prompt Disposal of Christmas Trees and Safe Removal of Lights

If you're hesitating to remove your Christmas tree, consider this: Nearly 40% of U.S. home fires involving Christmas trees happen in January. The NFPA urges prompt removal of trees after the holiday season to prevent fire hazards.
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All Electronic Tolling on Mass Pike - October 28

All Electronic Tolling on Mass Pike – October 28

Effective October 28, 2016, the Massachusetts Turnpike (Route 90) ceased accepting cash for tolls, eliminating toll booths at exits. For those who don't frequently travel on the Turnpike, here's a summary to ensure you stay informed about these changes.
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Summer Storm Resources to Help Mitigate Risks

Summer Storm Resources to Help Mitigate Risks

Summer across the United States often brings a range of severe weather conditions, from hailstorms and thunderstorms to high winds, flooding, lightning, and tornadoes. Taking proactive steps to mitigate damage is essential, and ensuring you have appropriate insurance coverage can provide protection for both personal and business needs in unavoidable loss situations.
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Pokémon Go App Takes Millions of Players to Exciting New Worlds

Pokémon Go App Takes Millions of Players to Exciting New Worlds; Insurance Can Help Make Those Worlds (and This One) Safer

Pokémon Go quickly gained global popularity, surpassing Twitter's user count in a matter of days, while also causing unintended consequences such as injuries and property damage, most of which are reportedly covered by insurance, according to the Insurance Information Institute (I.I.I.).
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Cover Personal Injury Loss Exposures

Cover Personal Injury Loss Exposures

Homeowners policies typically exclude personal injury claims like defamation unless a personal injury endorsement is attached. Manage these risks by monitoring social media activity, educating family members on online conduct, and considering additional coverage options like personal umbrella policies for comprehensive protection.
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Be Lighting Safe...Include a Lightning Protection System in your Building or Remodeling Plans

Be Lightning Safe…Include a Lightning Protection System in your Building or Remodeling Plans

Installing a lightning protection system is a valuable investment when constructing, renovating, or repairing homes. Homeowners insurance typically covers lightning-related damages, while some policies extend coverage to power surge damages resulting from lightning strikes.
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Mitigate Rental Property Coverage Gaps

Mitigate Rental Property Coverage Gaps

Homeowners can rent property to tenants regularly, and it's crucial for them to take protective measures for their rental investments. Here are some recommendations and tips for those who continuously rent out residential property.
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Dog Bites Accounted for More than 1/3 of All Homeowner Liability Payouts Last Year

Dog Bites Accounted for More than 1/3 of All Homeowner Liability Payouts Last Year

In 2015, dog bites and related injuries comprised over a third of all liability claim payouts in homeowners insurance. Despite a 7.2 percent decrease in nationwide dog bite claims, the average cost per claim surged by 16 percent.
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Why You Need Uninsured Motorists Coverage

When purchasing automobile insurance, being well-informed is essential for making intelligent decisions due to the various factors involved. One critical decision is whether to invest in uninsured motorists (UM) and underinsured motorists (UIM) coverage.
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Home Insurance Checklist...Getting the Best Value

Home Insurance Checklist…Getting the Best Value

To ensure excellent home insurance coverage, prioritize value over price. Understanding the essential components of a comprehensive insurance plan for your home, valuables, and liability is crucial whether you're a new homeowner or have owned your home for some time.
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House to Consider Legislation Regulating Transportation Network Companies Ride for Hire

House to Consider Legislation Regulating Transportation Network Companies for Ride-for-Hire

The House of Representatives is set to deliberate on legislation proposed by the Financial Services Committee, aimed at regulating Transportation Network Companies (TNCs) such as Uber and Lyft. The proposed legislation establishes a new regulatory division, Ride For Hire, within the Department of Public Utilities, responsible for overseeing TNCs and their drivers, ensuring compliance with insurance requirements and background checks.
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Be Aware of Uber and Airbnb Insurance Gaps

Be Aware of Uber and Airbnb Insurance Gaps

Earning from services like driving for Uber or renting out your home on Airbnb can be appealing, but standard personal auto and home insurance policies do not provide coverage for these activities, potentially leaving you exposed to significant gaps in coverage in the event of an accident. It's essential to explore specialized insurance options tailored to these ventures to ensure adequate protection for your assets and liabilities.
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Managing Insurance Costs...Understanding Deductibles, Frequency and Severity

Managing Insurance Costs…Understanding Deductibles, Frequency and Severity

Effectively managing insurance costs extends beyond coverage limits, options, and premiums; it includes evaluating the deductibles you're comfortable paying out of pocket.
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Murphy’s Corner…Delivering Value For You

If you haven't heard it often, we want to express our sincere gratitude for your business. Choosing Murphy Insurance means entrusting us with safeguarding what matters most in your life, whether personal, business, or both, and we are committed to delivering excellent value consistently.
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Fending Off Home Burglars

Fending Off Home Burglars

In America, a home burglary happens every 13 seconds, emphasizing the importance of taking preventive measures. Homeowners can significantly lower their risk of falling victim to this crime by implementing various security measures.
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Get Proper Protection for your Home Business

Get Proper Protection for your Home Business

With the accessibility of affordable technology, home-based businesses are on the rise. However, operating a business from home alters the risk factors and characteristics of your residence in the eyes of your homeowners insurance provider.
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Are You Covered When You Borrow Someone's Car?

Are You Covered When You Borrow Someone’s Car?

Borrowing or driving a friend's car is common, yet we often overlook coverage considerations. It's important to be aware of exclusions and conditions in auto policies, particularly regarding "regular use" and "business use" coverage issues.
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Establish Online Precautions and Rules for Kids

Establish Online Precautions and Rules for Kids

The Internet offers immense opportunities for communication and learning, yet it's vital for children to prioritize safety and precautionary measures. Children and teenagers often underestimate online risks, like the potential for libel or cyberbullying, exemplified by an ongoing lawsuit against thousands of Twitter users for spreading defamatory claims.
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Is Insurance a Commodity?

Bump Up that Deductible!

Insurance consumers often seek ways to cut costs on personal lines insurance, but not all approaches are prudent. Requests for reductions in dwelling or liability limits on homeowners or auto insurance policies may seem tempting, but they often carry significant risks, particularly in liability situations such as auto accidents or injuries on your property, where substantial losses could occur if a judgment goes against you.
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Exercise Care on Freeways

Exercise Care on Freeways

Automobile accidents are a leading cause of death in the United States, especially among children and young adults, as reported by the National Highway Traffic Safety Administration. Many of these fatalities occur on freeways and highways, due to the high speeds involved.
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Avoid Those Cell Phones While Driving

Avoid Those Cell Phones While Driving

According to the National Highway Traffic Safety Administration (NHTSA), nearly 700,000 drivers in the United States use cell phones or manipulate electronic devices while driving during daylight hours. In 2012, there was a 9 percent increase from the previous year, resulting in an estimated 421,000 injuries in auto accidents involving distracted drivers.
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Reduce Your Exposure to Intersection Auto Accidents

Reduce Your Exposure to Intersection Auto Accidents

Automobile crashes causing injuries and property damage are most prevalent in urban areas, with one study finding that 81 percent of crashes happen in cities. Additionally, approximately 43 percent of auto accidents are linked to intersections, as highlighted by another study.
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Risk Management for ATV Owners

Risk Management for ATV Owners

In the US, there are roughly 10 million ATVs and over 16 million operators, but each year sees around 700 deaths and over 100,000 injuries from ATV accidents. If you own or operate an ATV, it's crucial to inform your insurance agent to ensure adequate liability coverage and limits.
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New Public Record Request Procedures in MA

New Public Record Request Procedures in MA

Governor Charlie Baker unveiled measures to enhance transparency in government operations, reduce costs, and improve responsiveness to public records requests. These reforms, including streamlined fee structures and enhanced communication protocols, aim to bolster taxpayer accountability and accessibility.
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Increase to Accident Surcharge Thresholds Limits Effective July 1, 2015

Increase to Accident Surcharge Thresholds Limits Effective July 1, 2015

Governor Baker's signing of the Massachusetts 2016 State Budget on July 17, 2015, led to increased minor and major thresholds for surchargeable accidents, offering potential savings for drivers in the state who may be involved in at-fault accidents.
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Massachusetts Drivers Be Aware of New "Move Over Law"

Headlight & Windshield Wiper Law No Longer a Surchargeable Offense – July 17, 2015

A new law eliminates the surchargeable offense for not using headlights with windshield wipers. Though using headlights and taillights with wipers remains mandatory and enforceable, receiving a ticket won't affect your driving record or insurance premium.
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Is Hands-Free Cell Phone Use Safe? 2

Have You Heard? NH New Hands-Free Electronic Device Law in Effect July 1, 2015

Effective July 1, 2015, New Hampshire implemented a law prohibiting the use of hand-held electronic devices while driving, joining other states in similar measures. This law aims to enhance road safety by reducing distractions caused by electronic devices.
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Massachusetts Senate Attempts to Increase Accident Surcharge Threshold Limits

The Massachusetts Senate has successfully incorporated an amendment into the 2016 State Budget, aiming to raise the Property Damage Threshold for both Minor and Major accidents. The proposed thresholds would increase to $1,001 for Minor Accidents and $5,001 for Major Accidents, potentially benefiting Massachusetts drivers by impacting surcharge points added to driving records, which can influence insurance premiums following at-fault accidents.
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Check Your Sump Pump

Check Your Sump Pump

Regular maintenance checks are crucial to ensure your sump pump functions properly, preventing damage from excess ground or rainwater and keeping your home dry. Testing the pump annually, preferably in late winter or early spring before the onset of heavy spring rains, can significantly reduce the risk of failure during critical moments.
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New MA Law Requires Use of Headlights Effective April 7, 2015

New MA Law Requires Use of Headlights Effective April 7, 2015

A new law passed, effective April 7, 2015, mandating drivers to activate headlights and taillights alongside windshield wipers. Non-compliance with this regulation constitutes ticketable and surchargeable offenses, potentially leading to increased insurance premiums.
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10 Things You Should Know About Insurance

There are many things you might not know about your current insurance policies for your home, family, cars, and business. It is important to understand what is and isn't covered.
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Coaching Your Teenage Driver

Coaching Your Teenage Driver

Obtaining a driver's license is a significant milestone for teenagers, symbolizing increased freedom and independence alongside added responsibility. While many teens may feel invincible, it's crucial for parents to instill a heightened sense of responsibility, particularly when driving, to ensure safety on the road.
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5 Tips for Solid Auto Insurance Coverage

Car Insurance Checklist…Getting the Best Value

To secure excellent auto insurance, prioritize value over price. It's crucial to consider the value you receive for your spending when purchasing car insurance, as minimum legal requirements may not offer sufficient protection in the event of a serious accident involving bodily injury or significant property damage.
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The Evolution of Insurance Products

Claims significantly shape the evolution of insurance products, influencing both the specific loss situations covered and the markets or geographic areas insurers target. At a micro-level, claims trends may lead to exclusions in policy coverage, while at a macro-level, they determine insurers' business interests.
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Tips for Protecting Property in Winter Weather

Tips for Protecting Property in Winter Weather

With snowfall persisting this week and several more weeks of winter remaining, property owners are diligently clearing driveways, parking lots, and sidewalks. As snow accumulates, it's crucial to monitor roofs and mitigate risks of damage from ice dams and excessive snow load weight while staying safe from a hazardous situation.
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Snow Removal from Vehicles Laws

Snow Removal from Vehicles Laws

Neglecting to fully clear snow and ice from your vehicle's roof and windows isn't just risky but could lead to hefty fines and legal consequences. Please take the extra few minutes to make sure your car is properly cleared to protect yourself and others on the road.
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What is Your Jewelry Worth? When Should You Update Appraisals?

What is Your Jewelry Worth? When Should You Update Appraisals?

Valentine’s Day approaches, often marked by the exchange of jewelry as a symbol of love. While insuring every piece may not be practical, it's advisable to consider insurance for expensive items, particularly those worn frequently.
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Snow Load Alert...Protect Your Roof and Building

Snow Load Alert…Protect Your Roof and Building

Property owners must manage snow accumulation on roofs during winter storms to prevent hazards. From clearing snow from vents to watching for structural weaknesses, taking proactive steps can safeguard against damage and potential accidents.
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Smother Residential Fire Losses

Smother Residential Fire Losses

Fire is the primary cause of property loss annually in the U.S., with nearly 500,000 structure fires reported, amounting to around $10 billion in property damage. This peril claims thousands of American lives yearly and inflicts over 15,000 injuries.
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Vermont cell phone ban for drivers begins October 1, 2014

Vermont Cell Phone Ban for Drivers Begins October 1, 2014

Starting October 1, 2014, cell phone use while driving in Vermont is prohibited, requiring hands-free operation for electronic devices to comply with the law. All drivers must be mindful of these regulations when operating a vehicle in the state.
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Gender Related to Type of Car Crash

Gender Related to Type of Car Crash

The fear of experiencing a car accident is universal, heightened particularly for parents of teenage drivers as they navigate their child's initial ventures on the road. The specter of a collision looms heavily, casting a shadow over the anticipation of a teen's newfound driving privileges.
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Most Stolen Cars in 2013

Most Stolen Cars in 2013

The NICB has published its yearly "Hot Wheels" report detailing the most frequently stolen vehicle make, model, and year in 2013, using theft data provided to the NCIC by law enforcement agencies. Read how to keep your vehicle safe from theft.
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Is Insurance a Commodity?

Is Insurance a Commodity?

If you focus mainly on price when buying insurance, it might feel like a commodity. However, overlooking active participation and treating insurance protection as an afterthought could diminish its role as a strategic tool for safeguarding your bottom line.
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Flood Insurance Bill Signed Into Law in 2014

Flood Insurance Bill Signed Into Law in 2014

Governor Deval Patrick has swiftly approved House Bill No. H-3783, known as "An Act Relative to Flood Insurance" (Chapter 177 of the Acts of 2014). This new law, effective immediately, bars creditors from mandating certain types of flood insurance for residential property purchasers or owners.
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Get Your Coverage Updated Well Before a Storm

Get Your Coverage Updated Well Before a Storm

Amid Hurricane Arthur affecting the Atlantic coast, New England residents can find solace in forecasts suggesting the storm will remain offshore, potentially limiting damage to Fourth of July festivities. However, it's crucial to remember to update insurance coverage well before an approaching hurricane, as insurance companies typically restrict changes to property coverage limits when a storm is imminent.
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Is Hands-Free Cell Phone Use Safe? 2

Is Hands-Free Cell Phone Use Safe?

Using a hands-free cell phone while driving might seem safe, especially with the rise of dashboard info systems enabling such calls, but it's not necessarily so. Although laws in Massachusetts and other states prohibit texting while driving and cell phone use by drivers under 18, it's legal for adults to use cell phones while driving, yet this doesn't necessarily equate to safety, especially compared to handheld devices.
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6 Tips for Burglar-Proofing Your Home

6 Tips for Burglar-Proofing Your Home

Reduce the risk of home burglary with these effective prevention strategies. From installing motion-sensing lights to investing in a monitored burglar alarm system, taking proactive measures can significantly deter intruders and safeguard your property and peace of mind.
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Thank You & Be Safe Over Thanksgiving

During this season of gratitude, we express our heartfelt thanks to all who have supported our success, especially our loyal customers. We deeply appreciate your trust in Murphy Insurance Agency as we strive to safeguard you, your loved ones, and your business endeavors.
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Safety Tips: Prevent Kitchen Fires This Thanksgiving

Safety Tips: Prevent Kitchen Fires This Thanksgiving

Thanksgiving brings joy but also heightened kitchen risks. The U.S. Consumer Product Safety Commission warns that cooking fires triple on Thanksgiving, emphasizing the need for vigilance and safety measures like staying present while cooking and keeping fire extinguishers handy.
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Hurricane Sandy One Year Later

Hurricane Sandy One Year Later

Hurricane Sandy struck the East Coast on October 29, 2012, causing widespread devastation. A year later, coastal communities were still grappling with the aftermath, with many families and businesses facing ongoing challenges in rebuilding and financial recovery.
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When Driving Out of State Carry Proof of Insurance

When Driving Out of State Carry Proof of Insurance

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Keep Your Home in Tip-Top Condition

Keep Your Home in Tip-Top Condition

In recent years, homeowners have grappled with soaring insurance costs and challenges in obtaining coverage, especially those with multiple claims. Yet, by implementing preventive measures, homeowners can mitigate future risks, making insurance more accessible and affordable.
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What Happens to Your Loved Ones if Something Happens to You? Life Insurance - Part 1

Life Insurance: Understanding What Happens to Your Loved Ones if Something Happens to You?

In light of ongoing economic challenges, many are scrutinizing their present and future financial standing. While meeting monthly obligations remains difficult, it's crucial to also prepare for the future, including saving for retirement and contemplating how loved ones would cope in the event of premature death.
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Lessons From Sandy...Get Flood Protection

Lessons From Sandy…Get Flood Protection

Sandy's impact was devastating, with flood waters inflicting the most severe damage. Standard insurance policies typically don't cover flood-related losses, necessitating a separate flood insurance policy. Despite the risk, many opt out due to cost concerns or underestimation of the potential threat.
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Safe Travels on Thanksgiving

Drive Safely On Thanksgiving…And Thanks

Thanksgiving often involves travel to reunite with family, especially by road, which statistically poses higher risks of accidents and injuries. To ensure everyone's safety, here are some precautions you can take during this holiday season.
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Get Your Coverage Updated Well Before a Storm

Insurance Claim Tips For After The Storm

After Hurricane Sandy passes, it'll be crucial to assess the damage. To streamline the claims process for property or vehicle damage caused by the storm, consider implementing these helpful tips.
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75 Years Strong

75 Years Strong

Celebrating our 75th year in business in 2012 is truly remarkable. Reflecting on the vast changes within our agency and the insurance industry since then, my father, Frank, would undoubtedly be amazed.
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Get Your Coverage Updated Well Before a Storm

Remembering Irene…Lessons Learned

This time last year, the Northeast endured the aftermath of Hurricane Irene and an unexpected October snowstorm wreaking havoc in Massachusetts, resulting in extensive damage including downed trees and prolonged power outages.
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Documenting Antiques & Fine Arts For Insurance

Documenting Antiques And Fine Art For Insurance

Maintaining a home inventory is crucial for safeguarding your belongings, ensuring you're prepared for unexpected events requiring insurance claims. Particularly for antiques or fine art owners, detailed documentation is essential to guarantee compensation.
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Consigning Property For Auction: Part 4 Skinner 1200x628

Consigning Property For Auction: Part 4 – Auction Fees

Many individuals have inquiries about auction fees, which typically include buyer and seller fees, adhering to industry standards. These fees cover the auction house's efforts to ensure your property reaches an optimal buying audience, providing valuable services for both parties involved.
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Consigning Property For Auction: Part 3 – The Auction Schedule

Wondering when to reach out to an auction house to sell your property? You needn't wait for an upcoming auction announcement; most major houses plan schedules six months to nearly a year ahead, making it easy to schedule your property for sale in an upcoming auction.
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Consigning Property For Auction: Part 2 – Maximizing Your Antiques Appraisal

Once you've selected an auction house, arrange for a thorough evaluation of your property by an expert appraiser, whether online, in person, or at your home. This step is crucial for maximizing the value of your antiques appraisal process.
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Consigning Property for Auction: Part 1 - Are You Ready for an Antiques Appraisal?

Consigning Property for Auction: Part 1 – Are You Ready for an Antiques Appraisal?

Murphy Insurance is proud to partner with Skinner Inc. as co-presenting sponsor of The Wayside Inn Antiques Show. Leading up to the event on May 11-13, we're delighted to feature insights from Karen Keane on the process of consigning property for auction.
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Antique Vase

Insuring Antiques and Fine Art

Whether you possess family heirlooms or are a dedicated collector of antiques and fine art, understanding how your insurance protects these valuables is crucial. Regardless of the size of your collection, you might be surprised by the accumulated value of your possessions over the years.
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Hit-and-Run...It Can Happen To You

Hit-and-Run…It Can Happen To You

In a car accident, identifying the other driver isn't always possible, especially in hit-and-run situations which can escalate beyond mere vehicle damage to serious injuries for you or passengers, or even pedestrian accidents. Such uncertainties highlight the importance of being prepared.
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5 Tips for Better Value on Your Car Insurance

5 Tips to Maximize Car Insurance Value

Maximizing your car insurance coverage while saving money is simpler than you think. By exploring discounts, adjusting deductibles, and understanding your vehicle's value, you can get the best bang for your insurance buck.
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Most Stolen Cars in 2010

Most Stolen Cars in 2010

Surprisingly, the list of most stolen cars last year might include some models you wouldn't expect. However, with technological advancements, newer vehicles come equipped with features like kill switches and GPS locators, contributing to declining vehicle theft rates.
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Driving Safely at Thanksgiving

Driving Safely at Thanksgiving

As Thanksgiving approaches, I cherish the traditions that bring us together and prompt reflection on gratitude, including our valued customers and dedicated team at Murphy Insurance Agency. Yet, amidst the joy of the holiday, it's crucial to address the heightened risks of travel, particularly during one of the busiest and statistically most perilous times on the road.
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Trick or Treat...Be Safe!

Trick or Treat…Be Safe!

Safety remains paramount for trick-or-treaters and motorists as Halloween festivities commence, even amidst unexpected weather surprises. Drive cautiously, illuminate walkways, and ensure decorations pose no hazards while also practicing vigilance against potential storm-related dangers. Wishing everyone a joyful and secure Halloween celebration!
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Don’t Risk a Lot For a Little

Don’t Risk a Lot For a Little

Severe accidents underscore the unpredictability of life's uncertainties. Murphy Insurance prioritizes your protection, urging our clients to secure comprehensive bodily injury coverage against financial risks. Connect with us today for personalized insurance solutions.
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Back-to-school College Student Insurance Issues

Back-to-School College Student Insurance Issues

Heading into back-to-school season, the question arises: Does your homeowners policy cover your child’s belongings at college? It's not always straightforward, as residency status and living arrangements can complicate matters, emphasizing the need for clarity and communication with your insurance agent.
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Five Insurance Lessons from ‘The Town’

Five Insurance Lessons from ‘The Town’

Watching "The Town" might not immediately bring insurance to mind, but amidst the action-packed scenes, there are valuable lessons to learn. From ensuring higher Uninsured and Underinsured limits on your car insurance to the importance of timely life insurance, the movie underscores the need for comprehensive protection in the face of unexpected catastrophes.
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Welcome to the Murphy Insurance Blog!

Welcome to our blog, where insurance meets real life without the jargon. We aim to simplify insurance topics, offering personal and business coverage insights and guidance. With a dedicated team, we're here to share valuable information and engage with our readers. Stay tuned for updates!
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Massachusetts Drivers Be Aware of New "Move Over Law"

Mobile Phone/Texting while Driving Law Effective September 30, 2010

Stay informed about the Massachusetts Safe Driving Law taking effect on September 30, 2010, which introduces new provisions. Familiarize yourself with the updated regulations to ensure compliance with the law.
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Chapter 453 Acts of 2008: Homeowner Oil Heating System Upgrade and Insurance Law

Chapter 453 Acts of 2008: Homeowner Oil Heating System Upgrade and Insurance Law

Starting July 1, 2010, Massachusetts homeowners using oil for heating must upgrade their systems to prevent leaks. Insurance companies are now mandated to offer coverage for such incidents. Visit the Mass DEP website for detailed upgrade requirements, and contact a heating professional to assess your system's needs.
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Massachusetts Drivers Be Aware of New "Move Over Law"

Massachusetts Drivers Be Aware of New “Move Over Law”

Starting March 22, 2009, the Move Over Law aims to safeguard police, firefighters, tow truck drivers, and roadside workers. Drivers must switch to the adjacent lane or reduce speed when approaching a stationary vehicle with flashing lights, ensuring safety on the road.
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Visit Our Homeowners Insurance Page

Homeowners Insurance OLD VERSION

At Murphy Insurance, we take great care in assessing your options for homeowners insurance to ensure that you receive the most favorable value. Our dedication to serving you entails collaborating with highly-rated insurance providers and conducting comprehensive assessments of available choices. Our goal is to achieve the ideal equilibrium between affordability and coverage that suits your unique needs. Please let us provide you with a customized homeowners insurance quote.